OnePay Later is available on eligible Walmart purchases.

Eligible categories include:

• Entertainment

• Home

• Apparel

• Jewelry

• Automotive

• Sports and outdoors

• Lawn & Garden

• Toys

• Baby durable goods

• Hearing aids and durable medical devices

• Vision Center

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Certain categories are ineligible for OnePay Later, including:

• Alcohol

• Baby consumables

• Gasoline

• Groceries & food

• Tobacco

• Weapons & accessories

• Pharmacy, health & wellness

• Pet consumables

• Personal care

• Money Services

• Wireless service plans

• 1 hour photo

• Gift Cards

These Walmart.com categories are non-comprehensive and subject to change without notice. To purchase any finance-ineligible items, you'll need to provide an alternative form of payment.

Yes—there’s no penalty for paying early.

You can make individual payments and set up autopay using the OnePay website or app (available on iOS and Android). OnePay will also send reminders before payments are due.

There are no impacts to your credit score when you apply. Klarna & Bank Partners perform a soft credit check which does not affect your credit score & will not be visible to other lenders. Klarna shares information about loans & your repayment activity with credit bureau. TransUnion, such as if you pay on time, or make late payments or fail to pay. For now, the shared data will not impact your score, as it is only visible to you. Other institutions currently are not able to view the payment history on your loan/s

Yes, you can return an item you bought with OnePay by starting the return process with Walmart.

You’ll need a U.S. phone number and a tax ID or SSN.

You can visit onepay.com/help-center

Your loan will be reduced to the amount that you actually spend, and you’ll only be charged based on that amount.

OnePay has partnered with Klarna to bring you a buy now, pay later option at Walmart. Now you can choose to pay over time, in-store & online, with plans powered by Klarna. Learn more information about Klarna. Loans available through Klarna & OnePay are issued by WebBank.